The UK s Whiplash Epidemic

Size: px
Start display at page:

Download "The UK s Whiplash Epidemic"

Transcription

1 The UK s Whiplash Epidemic The International Insurance Forum Motor Insurance: The Road Towards Profitability James Dalton, Director of General Insurance Policy Association of British Insurers 19 th April 2016

2 Overview The UK s whiplash epidemic Overview of the UK s motor insurance market The nature and scale of the whiplash epidemic The reform agenda so far Legislative reform MedCo Claims Management Companies Insurance Fraud Taskforce Further change ahead Question and discusssion

3 Overview of the UK motor market The industry insures 24.7 million private vehicles and 3.8 million commercial vehicles on UK roads Average UK motor premium was 403 in 2015 In 2014, for every 1 in premiums received by motor insurers, they paid out just over 1 in claims and expenses Underwriting loss of 31 million in improvement on 2013 but still 20 consecutive years of underwriting loss

4 Underwriting Result ( m) Underwriting Results ( m) (500) (1.000) (1.500) (2.000)

5 Motor Claims Overview % of number of claims by claim type (2015 Q4) % of claim costs by claim type (2015 Q4) THEFT CLAIMS 1% REPLACEMENT VEHICLE 8% OTHER CLAIMS 1% BODILY INJURY 10% THEFT CLAIMS 3% REPLACEMENT WINDSCREEN ONLY 1% VEHICLE 5% OTHER CLAIMS 1% WINDSCREEN ONLY 25% PROPERTY DAMAGE 23% ACCIDENTAL DAMAGE 23% BODILY INJURY 45% PROPERTY DAMAGE 22% ACCIDENTAL DAMAGE 32%

6 Average premium

7 Market overview Premium tracker ABI Motor Premium Tracker Qtr 1 Qtr 2 Qtr 3 Qtr 4 Qtr 1 Qtr 2 Qtr 3 Qtr 4 Qtr 1 Qtr 2 Qtr 3 Qtr 4 Qtr 1 Qtr 2 Qtr 3 Qtr Average private comprehensive motor insurance premium for full licence holders The average premium in Q was 430, 3% lower than in Q but an increase of 7% on the quarter before Since reforms to the civil justice system were introduced at the start of 2013, over 1.1 billion of savings have been passed on to motorists in the form of lower premiums

8 Whiplash: Overview Insurers receive a claim for whiplash on average every minute of every hour of every day In the 12 months ending March 2015, 762,325 people claimed to have suffered a whiplash, neck, back or other type of injury resulting from a motor accident Over 2 billion a year in claims costs, representing a fifth of the average premium

9 Whiplash: International comparisons

10 Whiplash: The problems

11 Whiplash: The Problems Dysfunctional system compensation culture o Claims Management Companies (CMCs) o Financial incentives in the system for all players to bring claims o Referral fees No objective test for whiplash o o o Self-reported with no physical evidence of injury Medical reports produced on an industrial scale Financial links between personal injury lawyers and those producing the medical report (although action has been taken to address this) The high cost and number of claims ultimately leads to upward pressure on motor insurance premiums

12 Claims Frequency Number of road traffic accidents involving bodily injury and the number of bodily injury claims settled, Ban on referral fees lifted Number of bodily injury claims settled Number of RTAs involving bodily injury

13 RTA claims in the Claims Portal

14 Bodily Injury Map

15 The reform agenda so far Introduction of the Legal Aid, Sentencing and Punishment of Offenders Act 2012: o Referral fees o Removing of the recoverability of ATE premiums and CFAs Extension of the limit in the Claims Portal to 25k Reduction of fixed recoverable cost in the Portal from 1200 to 500

16 The reform agenda so far Following these reforms, a number of other reforms have been brought forward in the past 12 to 18 months: Introduction of fixed fees for medical reports obtained in RTA claims for low value soft tissue injuries Introduction of MedCo to randomly allocate medical experts (who are not financially linked to the instructing party) providing medical reports for low value soft tissue injuries following an RTA Accreditation of all experts providing medical reports in RTA low value soft tissue injury claims Requirement to carry out a CUE PI check from 1 June 2015 Criminal Justice and Courts Act 2015: introduced stronger measures for tackling fraud through the courts banned solicitors from making inducements to claim

17 Quality of medico-legal reports and financial links between claimant lawyers and Medical Reporting Organisations (MROs)/doctors identified as two key issues MedCo established to both randomly allocate MROs or medical experts for the production of medico-legal reports in support of whiplash claims and has responsibility for the accreditation of all medical experts MedCo went live on 6 th April 2015 Board made up of representatives from claimant, medical and defendant communities with an independent Chairperson Accreditation of all medical experts is due to be completed by 1 June 2016 User currently given an offer of one Tier 1 MRO and six Tier 2 MROs. This will change by the end of Summer 2016 to an offer of two Tier 1 MROs and ten Tier 2 MROs

18 Claims Management Companies

19 Review of Claims Management Companies Independent Review of the regulation of Claims Management Companies (CMCs) announced in the Budget in July last year by the Chancellor of Exchequer Review led by Carol Brady, NED of the Claims Management Regulation Unit and Chair of the Trading Standards Institute Final report published alongside the March 2016 Budget the Government accepted all recommendations in full, including: o o o o More prescriptive conduct rules, underpinned by personal accountability for CMC managers through a fit and proper person regime Compulsory re-authorisation for all CMCs Transparency on fee structures/financial links, alongside mandatory signposting to free alternatives Tougher enforcement regime and power to raid offices and seize documents without notice Regulation to be transferred to the Financial Conduct Authority (FCA) from 2018 a step change in how CMCs are regulated In addition, the Government has consulted on CMC fees the ABI has argued that the proposed cap on fees for simple financial claims should be extended to all CMC activity

20 Detected motor insurance fraud Insurance Fraud In 2014, insurers detected 130,000 fraudulent claims with a value of 1.32 billion Motor is the most common type of claims fraud by both volume (67,000 up 12%) and value ( 835 million up 3%) The value of organised crash for cash fraud decreased from 392 million in 2012 to 336 million in 2015 The volume of motor application fraud increased by 18% to 212,000 in 2014 Insurance Fraud Taskforce Government established the Taskforce in January 2015 to recommend how to make the UK more resilient to insurance fraud and protect honest policyholders The final report (January 2016) made recommendations for government, industry, regulators and others to tackle a wide spectrum of fraud including drivers of policyholder attitudes and behaviours, data sharing and measures to combat personal injury fraud Government is establishing a legacy body to provide oversight of the implementation of the recommendations and ensure ongoing constructive dialogue between interested sectors

21 Insurance Fraud industry response Insurance Fraud Bureau Since it was established in 2006, IFB has assisted police with over 1100 arrests that have resulted in sentences of around 350 years imprisonment IFB is currently implementing its 5 year strategy that will see it: o Expand product lines under management to include liability and household (as well as motor) o Establish itself as the centralised hub for intelligence sharing in the insurance sector Insurance Fraud Register The IFR is a database of proven fraudsters across all product lines that can be accessed at all stages of the product lifecycle. 42% of the general insurance market are now active members of the IFR and a further 125 organisations have formally registered their interest in participating Insurers report regular matches and have identified significant numbers of potential risks for further investigation and action Insurance Fraud Enforcement Department IFED is a bespoke police unit within the City of London Police dealing solely with insurance fraud and is funded by the insurance industry Since inception (Jan 2012), IFED has dealt with over 1400 suspects, secured around 120 years of custodial sentences and confiscated assets valued at 1.4 million

22

23 The reforms Autumn Statement reforms The government will bring forward measures to reduce the excessive costs arising from unnecessary whiplash claims, and expects average savings of 40 to 50 per motor insurance policy to be passed on to consumers, including by: (1) Removing the right to general damages for minor soft tissue injuries; and (2) Removing legal costs by transferring personal injury claims of up to 5000 to the small claims court. Rt Hon George Osborne, Chancellor of the Exchequer 25 November 2015 Next steps Government due to consult on detail of the proposals in the Spring 2016 Legislative provisions due to be implemented by Spring 2017

24 Autumn Statement reforms Key issues to be determined: Definitions Transitional provisions: Date of accident Date of claims notification Introduction of thresholds: Prognosis period Claim value Points based system Where will claims activity move to? Psychological injury Rehabilitation Special damages Litigants in person Impact on current industry practice Claims Portal MedCo

25 Summary Focus from Government, regulators and consumers on the cost of motor insurance and the drivers behind it Low value bodily injury claims, particularly whiplash, are the biggest cost motor insurers face UK s dysfunctional compensation culture is a key driver of the number of whiplash claims A number of reforms have been implemented which have proven to be ineffective at reducing claims volumes Government proposed to take decisive action to tackle the problem once and for all and help reduce car insurance premiums for consumers

26 Questions Contact details: James Dalton Director of General Insurance Policy

March 2013. Lifting the bonnet on car insurance - what are the real costs?

March 2013. Lifting the bonnet on car insurance - what are the real costs? March 2013 Lifting the bonnet on car insurance - what are the real costs? Lifting the bonnet on car insurance what are the real costs? Most UK motorists have an opinion on the cost of car insurance. Many

More information

The industry is delivering on its commitment to pass on savings to customers

The industry is delivering on its commitment to pass on savings to customers TRANSPORT SELECT COMMITTEE INQUIRY COST OF MOTOR INSURANCE: WHIPLASH Evidence from the Association of British Insurers The Association of British Insurers (ABI) is the voice of the insurance and investment

More information

Government Insurance Fraud Task Force. David Hertzell

Government Insurance Fraud Task Force. David Hertzell Government Insurance Fraud Task Force David Hertzell GOVERNMENT INSURANCE FRAUD TASK FORCE 2016 The size of the problem ABI estimate over 3bn per annum 2015. Educated guess nobody knows. Over 200m spent

More information

Insurance Fraud Task Force Final Report

Insurance Fraud Task Force Final Report January 2016 Insurance Fraud Task Force Final Report On 18 January, HM Treasury published the final report of its Insurance Fraud Task Force, chaired by former Law Commissioner David Hertzell. Insurance

More information

MedCo Framework Review Call for Evidence

MedCo Framework Review Call for Evidence MedCo Framework Review Call for Evidence This Call for Evidence begins on Thursday 16 July 2015 This Call for Evidence ends on Friday 4 September 2015 MedCo Framework Review Call for Evidence A Call for

More information

Civil Justice Council response to Insurance Task Force interim report. May 2015

Civil Justice Council response to Insurance Task Force interim report. May 2015 Civil Justice Council response to Insurance Task Force interim report May 2015 The CJC welcomes an initiative to combat insurance fraud, which is not always easy to detect, but is a crime, and does lead

More information

Road to Reform: Reducing Motor Premiums by Reforming the Personal Injury Claims Process

Road to Reform: Reducing Motor Premiums by Reforming the Personal Injury Claims Process Road to Reform: Reducing Motor Premiums by Reforming the Personal Injury Claims Process February 2013 Contents Executive Summary Introduction 3 What s wrong with the current personal injury claims process?

More information

Good morning and thank you for inviting me to be with you at the International Whiplash Conference here in Bristol today.

Good morning and thank you for inviting me to be with you at the International Whiplash Conference here in Bristol today. SPEECH NOTES [Check Against Delivery] Address by James Dalton to the International Whiplash Conference Tuesday 24 th April, 2012 Do Insurers want to ban whiplash? Introduction Good morning and thank you

More information

Consultation Document. Whiplash Reform: Proposals on Fixed Costs for Medical Examinations/Reports and Related Issues.

Consultation Document. Whiplash Reform: Proposals on Fixed Costs for Medical Examinations/Reports and Related Issues. Consultation Document Whiplash Reform: Proposals on Fixed Costs for Medical Examinations/Reports and Related Issues Response from: British Vehicle Rental and Leasing Association River Lodge Badminton Court

More information

All Party Working Group on Motor Insurance Room 21, Parliament Buildings, 14 October 2014 at 2pm

All Party Working Group on Motor Insurance Room 21, Parliament Buildings, 14 October 2014 at 2pm All Party Working Group on Motor Insurance Room 21, Parliament Buildings, 14 October 2014 at 2pm Present: Trevor Lunn, Chair Roy Beggs (for part) Cathal Boylan (for part) Alban Maginness (for part) Rob

More information

FIAR Motor Insurance Conference Brasov Romania - 20 May 2015. UK Motor Claims

FIAR Motor Insurance Conference Brasov Romania - 20 May 2015. UK Motor Claims FIAR Motor Insurance Conference Brasov Romania - 20 May 2015. UK Motor Claims InterEurope AG European Law Service Head Office Hansaallee 249 40549 Düsseldorf Germany Tel. +49 211 586 584 18 Fax. +49 211

More information

Consultation Document. Extension of the RTA scheme to include employers and public liability claims up to the value of 25,000

Consultation Document. Extension of the RTA scheme to include employers and public liability claims up to the value of 25,000 Consultation Document Extension of the RTA scheme to include employers and public liability claims up to the value of 25,000 Response from: British Vehicle Rental and Leasing Association River Lodge Badminton

More information

No Hiding Place. Insurance Fraud Exposed. September 2012

No Hiding Place. Insurance Fraud Exposed. September 2012 No Hiding Place Insurance Fraud Exposed September 2012 NO HIDING PLACE INSURANCE FRAUD EXPOSED 3 Executive summary Every hour of every day 15 fraudulent insurance claims are exposed in the UK. Insurance

More information

EXPLANATORY MEMORANDUM TO. THE CIVIL PROCEDURE (AMENDMENT No.8) RULES 2014. 2014 No. 3299 (L. 36)

EXPLANATORY MEMORANDUM TO. THE CIVIL PROCEDURE (AMENDMENT No.8) RULES 2014. 2014 No. 3299 (L. 36) EXPLANATORY MEMORANDUM TO THE CIVIL PROCEDURE (AMENDMENT No.8) RULES 2014 2014 No. 3299 (L. 36) 1. This explanatory memorandum has been prepared by the Ministry of Justice and is laid before Parliament

More information

MOTOR INSURANCE PREMIUMS MADE SIMPLE

MOTOR INSURANCE PREMIUMS MADE SIMPLE MOTOR INSURANCE PREMIUMS MADE SIMPLE Working with the profession to simplify the language of insurance UNDERSTANDING YOUR MOTOR INSURANCE PREMIUM Everyone driving on UK roads must have car insurance it

More information

Whiplash: A political rather than a medical diagnosis?

Whiplash: A political rather than a medical diagnosis? Whiplash: a political rather than a medical diagnosis?,, Temple The Government believes that there is a major problem with false whiplash claims and over the last two years has consulted upon and introduced

More information

Whiplash reform programme: Consultation on independence in medical reporting and expert accreditation

Whiplash reform programme: Consultation on independence in medical reporting and expert accreditation Consultation on independence in medical reporting and expert accreditation This consultation begins on Thursday 4 September 2014 This consultation ends on Wednesday 1 October 2014 Consultation on independence

More information

Whether the government is correct in describing the UK as the whiplash capital of the world

Whether the government is correct in describing the UK as the whiplash capital of the world Whiplash and the cost of motor insurance: what s behind the insurance industry claims Submission to the Transport Committee by Thompsons Solicitors April 2013 About Thompsons Thompsons is the UK s most

More information

Insurance Fraud in Local Authorities Roundtable Summary Paper

Insurance Fraud in Local Authorities Roundtable Summary Paper Insurance Fraud in Local Authorities Roundtable Summary Paper Introduction Zurich Municipal and the CIPFA Counter Fraud Centre recently hosted a Roundtable discussion on the topic of insurance fraud in

More information

Road to reform: Tackling the UK s compensation culture

Road to reform: Tackling the UK s compensation culture Road to reform: Tackling the UK s compensation culture July 2014 97041280.indd 1 22/07/2014 08:53 Contents Introduction Introduction 2 What is wrong with the motor insurance claims process? 4 Claims, compensation

More information

Road to reform: Driving out compensation culture

Road to reform: Driving out compensation culture Road to reform: Driving out compensation culture March 2015 Contents Background Background 2 What has happened to car insurance premiums and claims since the LASPO Act of 2012? 4 Conclusions from Frontier

More information

Reducing the number and costs of whiplash claims A consultation on arrangements concerning whiplash injuries in England and Wales.

Reducing the number and costs of whiplash claims A consultation on arrangements concerning whiplash injuries in England and Wales. Reducing the number and costs of whiplash claims A consultation on arrangements concerning whiplash injuries in England and Wales December 2012 Consultation Paper CP17/2012 Consultation start date: 11

More information

to Headlight, Dolmans Solicitors motoring news bulletin. In this edition we cover:

to Headlight, Dolmans Solicitors motoring news bulletin. In this edition we cover: Headlight motoring news welcome to Headlight, Dolmans Solicitors motoring news bulletin. In this edition we cover: case summaries capacity Jubair Ali (protected party by Jabid Ali, his father and litigation

More information

Civil Litigation Reforms & AIG

Civil Litigation Reforms & AIG Access to Justice Civil Litigation Reforms & AIG Start The reforms AIG Response day 1-5 day 6-20 day 21-25 AIG process map Overview and key Changes For more details of the reforms click here > The Jackson

More information

Briefing for the Legal Aid, Sentencing and Punishment of Offenders Bill Committee. An interlocking package of reforms

Briefing for the Legal Aid, Sentencing and Punishment of Offenders Bill Committee. An interlocking package of reforms Briefing for the Legal Aid, Sentencing and Punishment of Offenders Bill Committee An interlocking package of reforms March 2012 Briefing for Members of the Legal Aid, Sentencing and Punishment of Offenders

More information

Manchester Claims Association. MedCo. Ian Scanlan 15 th October 2015

Manchester Claims Association. MedCo. Ian Scanlan 15 th October 2015 Manchester Claims Association MedCo Ian Scanlan 15 th October 2015 Introduction Ian Scanlan Group Head of Business Development at Winn Group. The group comprises of Winn Solicitors, On Medical and On Hire.

More information

To: whiplashcondoc@justice.gsi.gov.uk

To: whiplashcondoc@justice.gsi.gov.uk To: whiplashcondoc@justice.gsi.gov.uk Unite the Union response to the MINISTRY OF JUSTICE consultation document: Whiplash reform programme: Consultation on independence in medical reporting and expert

More information

Reducing the number and cost of whiplash claims

Reducing the number and cost of whiplash claims mnn Reducing the number and cost of whiplash claims A consultation on arrangements concerning whiplash injuries in England and Wales Introduction: Weightmans is a major law firm with a large defendant

More information

Ministry of Justice Whiplash Reform Programme: consultation on independence in medical reporting and expert accreditation

Ministry of Justice Whiplash Reform Programme: consultation on independence in medical reporting and expert accreditation Ministry of Justice Whiplash Reform Programme: consultation on independence in medical reporting and expert accreditation Question 1: Do you agree that the proposed amendments to paragraphs 7.1A(1) and

More information

Andrew Tait General Manager Crawford & Company Singapore. Motor Insurance Counter Fraud Solutions

Andrew Tait General Manager Crawford & Company Singapore. Motor Insurance Counter Fraud Solutions Andrew Tait General Manager Crawford & Company Singapore Motor Insurance Counter Fraud Solutions Motor Insurance fraud where do we start? Every fraudulent claim starts with a policy of insurance being

More information

Legal Services Board Referral fees, referral arrangements and fee sharing

Legal Services Board Referral fees, referral arrangements and fee sharing Legal Services Board Summary Note Aviva has restricted its responses to Personal Injury. Aviva accepts there may be similarities in Conveyancing agreements but has no experience of these and so cannot

More information

Key aspects of the Jackson review and related reforms - progress update as at 3 rd September 2012

Key aspects of the Jackson review and related reforms - progress update as at 3 rd September 2012 Key aspects of the Jackson review and related reforms - progress update as at 3 rd September 2012 In brief Lord Justice Jackson s key task was to address disproportionate costs in civil litigation i.e.

More information

Cost of Preferred (or more likely) Option Net cost to business per year (EANCB on 2009 prices) 0m N/A N/A No N/A

Cost of Preferred (or more likely) Option Net cost to business per year (EANCB on 2009 prices) 0m N/A N/A No N/A Dismissal of personal injury claims involving fundamental dishonesty IA No: MoJ 021/2014 Lead department or agency: Ministry of Justice Other departments or agencies: Impact Assessment (IA) Date: 6 June

More information

Impact Assessment (IA)

Impact Assessment (IA) Title: Reducing the number and costs of personal injury claims IA No: MoJ 163 Lead department or agency: Ministry of Justice Other departments or agencies: Department of Health Impact Assessment (IA) Date:

More information

Thompsons Solicitors response to the interim report of the Insurance Fraud Taskforce May 2015

Thompsons Solicitors response to the interim report of the Insurance Fraud Taskforce May 2015 Thompsons Solicitors response to the interim report of the Insurance Fraud Taskforce May 2015 Introduction This document sets out Thompsons Solicitors response to the interim report of the Insurance Fraud

More information

House of Commons Transport Committee. Fifth Special Report of Session 2014 15. Ordered by the House of Commons to be printed 20 October 2014

House of Commons Transport Committee. Fifth Special Report of Session 2014 15. Ordered by the House of Commons to be printed 20 October 2014 House of Commons Transport Committee Driving premiums down: fraud and the cost of motor insurance: Government and Association of British Insurers Responses to the Committee's First Report of Session 2014

More information

LASPO. Why has. come about brief history of reforms

LASPO. Why has. come about brief history of reforms Contents Foreword 2 3 Foreword: Why has LASPO come about 4 Changes to funding and implications 6 Changes in practice 7 Track limits 8 The RTA and EL/PL Protocols 11 Referral fees 12 Contact information

More information

Ministry of Justice Consultation. Whiplash Reform Programme: Consultation on Independence in Medical Reporting and Expert Accreditation

Ministry of Justice Consultation. Whiplash Reform Programme: Consultation on Independence in Medical Reporting and Expert Accreditation Ministry of Justice Consultation Whiplash Reform Programme: Consultation on Independence in Medical Reporting and Expert Accreditation Response from the Motor Accident Solicitors Society September 2014

More information

1. Findings from the OFT Report on the UK market as a whole

1. Findings from the OFT Report on the UK market as a whole Briefing on Legal and Justice issues relating to the Cost of Car Insurance February 2012 1 Background The Consumer Council has continued its campaign to lower the cost of car insurance in Northern Ireland

More information

Private Motor Insurance. Royal & Sun Alliance Insurance plc. Summary Submission to the Competition Commission

Private Motor Insurance. Royal & Sun Alliance Insurance plc. Summary Submission to the Competition Commission 1. Introduction Private Motor Insurance Royal & Sun Alliance Insurance plc Summary Submission to the Competition Commission 1.1 Royal & Sun Alliance Insurance plc ("RSA") welcomes the Competition Commission's

More information

Technical claims brief

Technical claims brief QBE European Operations Technical claims brief Monthly update June 2015 Technical claims brief Monthly update June 2015 Contents FCA sets out their findings after looking at delegated authority arrangements

More information

1.3 Analyse the roles of the key participants in a PI case

1.3 Analyse the roles of the key participants in a PI case Title Introductory Considerations for Personal Injury Lawyers Level 4 Credit value 8 Learning outcomes The learner will: Assessment criteria The learner can: Knowledge, understanding and skills 1 Understand

More information

CULTURE TACKLING THE COMPENSATION NOISE INDUCED HEARING LOSS CLAIMS. Improving the claims system for everyone

CULTURE TACKLING THE COMPENSATION NOISE INDUCED HEARING LOSS CLAIMS. Improving the claims system for everyone SECTION TACKLING THE COMPENSATION CULTURE NOISE INDUCED HEARING LOSS CLAIMS Improving the claims system for everyone 3 @BritishInsurers Follow us on Twitter @BritishInsurers TACKLING THE COMPENSATION CULTURE:

More information

T&Lbulletin CONSTRUCTION TECHNICAL & LEGAL BULLETIN FEBRUARY 2013

T&Lbulletin CONSTRUCTION TECHNICAL & LEGAL BULLETIN FEBRUARY 2013 T&Lbulletin CONSTRUCTION TECHNICAL & LEGAL BULLETIN FEBRUARY 2013 2013 JACKSON REFORM UPDATE From the beginning of April this year, Employers Liability (EL), Public Liability (PL) and Motor Injury Claims

More information

QBE European Operations. Portal extension. Guidance document June 2013. Ministry of Justice extension to the claims protocols Maximising Opportunities

QBE European Operations. Portal extension. Guidance document June 2013. Ministry of Justice extension to the claims protocols Maximising Opportunities QBE European Operations Portal extension Guidance document June 2013 Ministry of Justice extension to the claims protocols Maximising Opportunities Portal extension Guidance document June 2013 Ministry

More information

TACKLING THE COMPENSATION CULTURE: THE LEGAL AID, SENTENCING AND PUNISHMENT OF OFFENDERS BILL

TACKLING THE COMPENSATION CULTURE: THE LEGAL AID, SENTENCING AND PUNISHMENT OF OFFENDERS BILL TACKLING THE COMPENSATION CULTURE: THE LEGAL AID, SENTENCING AND PUNISHMENT OF OFFENDERS BILL Improving the System for all September 2011 For more information, contact: Association of British Insurers

More information

Introduction of a ban on the payment of referral fees in personal injury cases Equality Impact Assessment

Introduction of a ban on the payment of referral fees in personal injury cases Equality Impact Assessment Introduction of a ban on the payment of referral fees in personal injury cases Equality Impact Assessment Introduction This Equality Impact Assessment (EIA) relates to amendments to the Legal Aid, Sentencing

More information

CJC response to consultation on independence in medical reporting and expert accreditation

CJC response to consultation on independence in medical reporting and expert accreditation CJC response to consultation on independence in medical reporting and expert accreditation The Civil Justice Council (the CJC) welcomes the opportunity to respond to this consultation, and continues to

More information

The Motor Insurance Regulation Bill. A Briefing Paper from NewLaw Solicitors

The Motor Insurance Regulation Bill. A Briefing Paper from NewLaw Solicitors The Motor Insurance Regulation Bill A Briefing Paper from NewLaw Solicitors Produced by: Philip Dicken Strategic Partnerships Director NewLaw Solicitors Email: philip.dicken@new-law.co.uk Directline: 029

More information

Consultation Document. Reducing the number and costs of whiplash claims. Response from:

Consultation Document. Reducing the number and costs of whiplash claims. Response from: Consultation Document Reducing the number and costs of whiplash claims Response from: British Vehicle Rental and Leasing Association River Lodge Badminton Court Amersham BUCKS HP7 0DD Tel: +44 1494 434747

More information

Insurance Fraud Taskforce: final report

Insurance Fraud Taskforce: final report Insurance Fraud Taskforce: final report January 2016 Insurance Fraud Taskforce final report January 2016 Crown copyright 2016 This publication is licensed under the terms of the Open Government Licence

More information

Claim notification form (Form RTA1)

Claim notification form (Form RTA1) Date sent / / Claim notification form (Form RTA1) Low value personal injury claims in road traffic accidents( 1,000-10,000) Before filling in this form you are encouraged to seek independent legal advice.

More information

CIVIL JUSTICE COUNCIL (CJC) RESPONSE REDUCING THE NUMBER & COSTS OF WHIPLASH CLAIMS

CIVIL JUSTICE COUNCIL (CJC) RESPONSE REDUCING THE NUMBER & COSTS OF WHIPLASH CLAIMS CIVIL JUSTICE COUNCIL (CJC) RESPONSE REDUCING THE NUMBER & COSTS OF WHIPLASH CLAIMS General The CJC welcomes the opportunity to respond to this consultation. It further welcomes the intention to improve

More information

1.3 Analyse the roles of the key participants in a PI case

1.3 Analyse the roles of the key participants in a PI case Title Introductory Considerations for Personal Injury Lawyers Level 4 Credit value 8 Learning outcomes The learner will: Assessment criteria The learner can: Knowledge, understanding and skills 1 Understand

More information

Briefing: Government proposals to reform low value personal injury claims February 2016

Briefing: Government proposals to reform low value personal injury claims February 2016 Association of Personal Injury Lawyers Briefing: Government proposals to reform low value personal injury claims February 2016 Introduction In November, the Chancellor announced in his Autumn Statement

More information

The September 2012 updated report on third party motor claims from the Institute and Faculty of Actuaries

The September 2012 updated report on third party motor claims from the Institute and Faculty of Actuaries The September 2012 updated report on third party motor claims from the Institute and Faculty of Actuaries This is an update to the third annual report from the Institute and Faculty of Actuaries collating

More information

Reducing the number and costs of whiplash claims A consultation on arrangements concerning whiplash injuries in England and Wales

Reducing the number and costs of whiplash claims A consultation on arrangements concerning whiplash injuries in England and Wales Reducing the number and costs of whiplash claims A consultation on arrangements concerning whiplash injuries in England and Wales Response by the Law Society March 2013 The Law Society 2013 Page 1 of 14

More information

Qualifying criteria for Medical Reporting Organisations

Qualifying criteria for Medical Reporting Organisations Qualifying criteria for Medical Reporting Organisations The qualifying criteria for all Medical Reporting Organisations (MROs) to register on the MedCo Registration Solutions (MedCo) IT portal are set

More information

The Magic Pudding Another Spoonful

The Magic Pudding Another Spoonful The Magic Pudding Another Spoonful Prepared by Raj Kanhai, Geoff Atkins Presented to the Actuaries Institute Injury Schemes Seminar 8 10 November 2015 Adelaide This paper has been prepared for the Actuaries

More information

INSURANCE N BRIEF. i n s u r a n c e b r o k e r s Issue No.6 Autumn 2013

INSURANCE N BRIEF. i n s u r a n c e b r o k e r s Issue No.6 Autumn 2013 INSURANCE N BRIEF i n s u r a n c e b r o k e r s Issue No.6 Autumn 2013 Contents Are your fleet insurers fighting your corner when it comes to motor claims? Insurance Fraud: Don t Be a Victim Professional

More information

Law & Practice : The UK Perspective. Vilnius, 22 nd October 2010

Law & Practice : The UK Perspective. Vilnius, 22 nd October 2010 Law & Practice : The UK Perspective Vilnius, 22 nd October 2010 Van Ameyde UK Richard Temp Operations Manager BACKGROUND SOME FACTS & FIGURES Established in England in 1973 VA UK comprises of two UK sites

More information

Legal Watch What s on the horizon

Legal Watch What s on the horizon Legal Watch What s on the horizon January 2014 Introduction Welcome to the first joint Plexus/Greenwoods review of what the next quarter holds for those involved in personal injury claims. In This Issue:

More information

The Incorporated Law Society of Cardiff and District. Members Forum 30 January 2013 JACKSON REFORMS WHERE ARE WE NOW? Michael Imperato Simon Cradick

The Incorporated Law Society of Cardiff and District. Members Forum 30 January 2013 JACKSON REFORMS WHERE ARE WE NOW? Michael Imperato Simon Cradick The Incorporated Law Society of Cardiff and District Members Forum 30 January 2013 JACKSON REFORMS WHERE ARE WE NOW? Michael Imperato Simon Cradick Agenda Legal Aid, Sentencing and Punishment of Offenders

More information

2nd Global Summit Healthcare Fraud: Prevention is better than cure. 25-26 October 2012 Beaumont Estate, Old Windsor, UK

2nd Global Summit Healthcare Fraud: Prevention is better than cure. 25-26 October 2012 Beaumont Estate, Old Windsor, UK 2nd Global Summit Healthcare Fraud: Prevention is better than cure 25-26 October 2012 Beaumont Estate, Old Windsor, UK The use of intelligence to prevent health insurance fraud in the UK Association of

More information

Premex and MedCo. Choose Premex. A safe pair of hands.

Premex and MedCo. Choose Premex. A safe pair of hands. Choose Premex. A safe pair of hands. From 6th April 2015 changes to the CPR and the Pre-Action Protocol for Low Value PI Claims in RTA (RTA Protocol) are being made. These changes include the introduction

More information

www.mcdermottqc.com Legal Aid, Sentencing and Punishment of Offenders Bill: Implications for Personal Injury Litigation

www.mcdermottqc.com Legal Aid, Sentencing and Punishment of Offenders Bill: Implications for Personal Injury Litigation www.mcdermottqc.com Legal Aid, Sentencing and Punishment of Offenders Bill: Legal Aid, Sentencing and Punishment of Offenders Bill: The Legal Aid, Sentencing and Punishment of Offenders Bill covers a wide

More information

Keoghs LLP response to the Legal Services Board consultation: Referral fees, referral arrangements and fee sharing.

Keoghs LLP response to the Legal Services Board consultation: Referral fees, referral arrangements and fee sharing. Introduction: response to the Legal Services Board consultation: Referral fees, referral arrangements and fee sharing. Keoghs is the only top 100 law firm to focus exclusively on the insurance sector and

More information

English Civil Law and the Foreign Motorist. Justice or a Lawyer s Lunch?

English Civil Law and the Foreign Motorist. Justice or a Lawyer s Lunch? English Civil Law and the Foreign Motorist Justice or a Lawyer s Lunch? Agenda Basic Principles The Civil Procedure The Claim - Practice Basic principles English Law is based on precedent - what courts

More information

This is a short version of the 2014 report on third party motor claims from the Institute and Faculty of Actuaries (IFoA), analysing 2013 data

This is a short version of the 2014 report on third party motor claims from the Institute and Faculty of Actuaries (IFoA), analysing 2013 data This is a short version of the 2014 report on third party motor claims from the Institute and Faculty of Actuaries (IFoA), analysing 2013 data These are the interim results for the fifth annual report

More information

PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS FROM 31 JULY 2013

PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS FROM 31 JULY 2013 PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS FROM 31 JULY 2013 Title Number I INTRODUCTION Definitions Para 1.1 Preamble Para 2.1 Aims Para 3.1 Scope Para 4.1 II GENERAL

More information

Impact Assessment (IA)

Impact Assessment (IA) Prohibit the offering of inducements or similar rewards as an encouragement to make a personal injury compensation claim IA No: MoJ 022/2014 Lead department or agency: Ministry of Justice Impact Assessment

More information

What is the problem under consideration? Why is government intervention necessary?

What is the problem under consideration? Why is government intervention necessary? Title: Referral Fees in Personal Injury Claims Lead department or agency: Ministry of Justice (MoJ) Other departments or agencies: Impact Assessment (IA) IA No: MoJ 105 Date: 01/10/2011 Stage: Final Source

More information

MASS agrees with the introduction of mandatory fixed fees for initial medical reports undertaken by the experts proposed.

MASS agrees with the introduction of mandatory fixed fees for initial medical reports undertaken by the experts proposed. Ministry of Justice Consultation: Whiplash Reform: Proposals on Fixed Costs For Medical Examinations / Reports and Related Issues Response from the Motor Accident Solicitors Society May 2014 Introduction

More information

Technical claims brief

Technical claims brief QBE Business Insurance Technical claims brief Monthly update January 2016 Technical claims brief Monthly update January 2016 Contents George Osbourne s Spending Review and Autumn Statement 1 County court

More information

Briefing on Amendments 132AA and 132AB to the Legal Aid, Sentencing and Punishment of Offenders (LASPO) Bill

Briefing on Amendments 132AA and 132AB to the Legal Aid, Sentencing and Punishment of Offenders (LASPO) Bill Briefing on Amendments 132AA and 132AB to the Legal Aid, Sentencing and Punishment of Offenders (LASPO) Bill Kennedys advocates the repeal of Amendments 132AA and 132AB added to the Legal Aid, Sentencing

More information

Civil litigation reforms Jackson one year on

Civil litigation reforms Jackson one year on Civil litigation reforms Jackson one year on Introduction 1 April 2013 saw a number of civil litigation reforms come into force. The reforms were spearheaded by Lord Justice Jackson and were heralded to

More information

CIVIL JUSTICE COUNCIL THE IMPACT OF THE JACKSON REFORMS ON COSTS AND CASE MANAGEMENT

CIVIL JUSTICE COUNCIL THE IMPACT OF THE JACKSON REFORMS ON COSTS AND CASE MANAGEMENT Introduction CIVIL JUSTICE COUNCIL THE IMPACT OF THE JACKSON REFORMS ON COSTS AND CASE MANAGEMENT Submission by the Motor Accident Solicitors Society (MASS) March 2014 1. This response is prepared on behalf

More information

Summary of the Personal Injury and Clinical Negligence Claims Market in England and Wales July 2015

Summary of the Personal Injury and Clinical Negligence Claims Market in England and Wales July 2015 Summary of the Personal Injury and Clinical Negligence Claims Market in England and Wales July 2015 Abstract: In this annual summary of the state of the Personal Injury and Clinical Negligence Claims Market

More information

The Jackson Report - insurance industry myths and the reality for employers. Tom Jones Head of Policy & Public Affairs Thompsons Solicitors

The Jackson Report - insurance industry myths and the reality for employers. Tom Jones Head of Policy & Public Affairs Thompsons Solicitors The Jackson Report - insurance industry myths and the reality for employers Tom Jones Head of Policy & Public Affairs Thompsons Solicitors Background to Jackson Jackson Review of Civil Costs ordered in

More information

Cymru update. Leon Lloyd Hugh James. 6 November 2013

Cymru update. Leon Lloyd Hugh James. 6 November 2013 Community Housing Cymru update Leon Lloyd Hugh James 6 November 2013 New EL/PL claims procedure From 1 August 2013 Fast track claims EL/PL claims between 10k and 25k issued pre-1 April 2013 handled outside

More information

REFORMING THE COMPENSATION SYSTEM A BETTER DEAL FOR CONSUMERS. October 2010

REFORMING THE COMPENSATION SYSTEM A BETTER DEAL FOR CONSUMERS. October 2010 REFORMING THE COMPENSATION SYSTEM A BETTER DEAL FOR CONSUMERS October 2010 REFORMING THE COMPENSATION SYSTEM A BETTER DEAL FOR CONSUMERS 3 This is not access to justice this is incitement to litigate.

More information

LINES SECTOR MARKET INSURANCE AND LONDON COMMERCIAL THE ABI WORKING FOR YOU. @BritishInsurers abi.org.uk Follow us on Twitter @BritishInsurers

LINES SECTOR MARKET INSURANCE AND LONDON COMMERCIAL THE ABI WORKING FOR YOU. @BritishInsurers abi.org.uk Follow us on Twitter @BritishInsurers ABI WORKING FOR YOU COMMERCIAL LINES AND LONDON MARKET INSURANCE SECTOR THE ABI WORKING FOR YOU 3 @BritishInsurers abi.org.uk Follow us on Twitter @BritishInsurers The ABI Working for you We know how important

More information

THE JACKSON REFORMS. Lord Justice Jackson s review of Civil litigation costs and the impact on insurers. Nicola Billen. The Jackson Reforms

THE JACKSON REFORMS. Lord Justice Jackson s review of Civil litigation costs and the impact on insurers. Nicola Billen. The Jackson Reforms THE JACKSON REFORMS Lord Justice Jackson s review of Civil litigation costs and the impact on insurers Nicola Billen The Jackson Reforms The current civil justice system Costs generally Funding models

More information

Claim notification form

Claim notification form Before filling in this form you are encouraged to seek independent legal advice. Date sent / / Claim notification form Low value personal injury claims in road traffic accidents( 1,000-10,000) Are you

More information

EXPLANATORY MEMORANDUM TO THE CONDITIONAL FEE AGREEMENTS ORDER 2013. 2013 No. 689

EXPLANATORY MEMORANDUM TO THE CONDITIONAL FEE AGREEMENTS ORDER 2013. 2013 No. 689 EXPLANATORY MEMORANDUM TO THE CONDITIONAL FEE AGREEMENTS ORDER 2013 2013 No. 689 1. This explanatory memorandum has been prepared by the Ministry of Justice and is laid before Parliament by Command of

More information

The Jackson Reforms Jan Thompson, Director

The Jackson Reforms Jan Thompson, Director The Jackson Reforms Jan Thompson, Director In response to the perceived compensation culture in our civil justice system, the government has announced their intention to implement the majority of Lord

More information

Preparing your Firm for the Referral Fee Ban TRACEY CALVERT

Preparing your Firm for the Referral Fee Ban TRACEY CALVERT Preparing your Firm for the Referral Fee Ban TRACEY CALVERT PUBLISHED BY IN ASSOCIATION WITH Chapter 1: Understanding the changes which have been made THIS REPORT is about the ban on referral fees in personal

More information

Claim notification form

Claim notification form Before filling in this form you are encouraged to seek independent legal advice. Date sent / / Claim notification form Low value personal injury claims in road traffic accidents( 1,000-10,000) Are you

More information

QBE European Operations. UK Casualty Claims. Policyholder guide March 2013. 2013 Jackson reforms and Ministry of Justice Claims Portal Extension

QBE European Operations. UK Casualty Claims. Policyholder guide March 2013. 2013 Jackson reforms and Ministry of Justice Claims Portal Extension QBE European Operations UK Casualty Claims Policyholder guide March 2013 2013 Jackson reforms and Ministry of Justice Claims Extension UK Casualty Claims Policyholder guide March 2013 2013 Jackson reforms

More information

The Future of Claims Management Chosen by Insurers around the World

The Future of Claims Management Chosen by Insurers around the World The Future of Claims Management Chosen by Insurers around the World Why do so many of the world s most successful and advanced claims operations rely on FINEOS for automated claims processing? Because

More information

All Party Working Group on Car Insurance Room 21, Parliament Buildings, 29 April 2013 at 4pm

All Party Working Group on Car Insurance Room 21, Parliament Buildings, 29 April 2013 at 4pm Present: Trevor Lunn (Chair) Roy Beggs (for part) Cathal Boylan All Party Working Group on Car Insurance Room 21, Parliament Buildings, 29 April 2013 at 4pm John Burke (Chair, Belfast Solicitors Association)

More information

Research Specification: Learning from the legal services in the Personal Injury market

Research Specification: Learning from the legal services in the Personal Injury market Research Specification: Learning from the legal services in the Personal Injury market Purpose The purpose of this research is to explore whether there are any lessons from the operation of legal services

More information

Business Plan 2012/13

Business Plan 2012/13 Business Plan 2012/13 Contents Introduction 3 About the NFA..4 Priorities for 2012/13 4 Resources.6 Reporting Arrangements.6 Objective 1 7 To raise the profile and awareness of fraud among individuals,

More information

Briefing: Government proposals to reform low value personal injury claims April 2016

Briefing: Government proposals to reform low value personal injury claims April 2016 Association of Personal Injury Lawyers Briefing: Government proposals to reform low value personal injury claims April 2016 Introduction In November, the Chancellor announced in his Autumn Statement the

More information

KEY FACTS 2015. UK Insurance & Long Term Savings. Key Facts 2015. Follow us on Twitter @BritishInsurers

KEY FACTS 2015. UK Insurance & Long Term Savings. Key Facts 2015. Follow us on Twitter @BritishInsurers KEY FACTS 2015 UK Insurance & Long Term Savings Key Facts 2015 @BritishInsurers Follow us on Twitter @BritishInsurers ASSOCIATION OF BRITISH INSURERS The UK insurance and long term savings industry is

More information

General insurance reserving

General insurance reserving General insurance reserving Challenges for today and tomorrow Motor reserving in 2013 and PPOs by Anju Bell and Sarah MacDonnell Tuesday 7 May 2013 2013 Towers Watson. All rights reserved. Motor reserving

More information

Motor insurance compensation systems with a focus on whiplash and soft tissue injuries

Motor insurance compensation systems with a focus on whiplash and soft tissue injuries Motor insurance compensation systems with a focus on whiplash and soft tissue injuries A report for Aviva March 2015 Executive summary Context All drivers of vehicles in the UK are legally obliged to have

More information

COMMISSION OF THE EUROPEAN COMMUNITIES

COMMISSION OF THE EUROPEAN COMMUNITIES COMMISSION OF THE EUROPEAN COMMUNITIES PROPOSAL FOR A DIRECTIVE AMENDING COUNCIL DIRECTIVES 72/166/EEC, 84/5/EEC, 88/357/EEC, 90/232/EEC AND DIRECTIVE 2000/26/EC ON INSURANCE AGAINST CIVIL LIABILITY IN

More information

Personal Injury Litigation after APRIL 2013 - Cambridge Medico-legal society

Personal Injury Litigation after APRIL 2013 - Cambridge Medico-legal society Personal Injury Litigation after APRIL 2013 - Cambridge Medico-legal society ANDREW RITCHIE QC 9 Gough Square LONDON 1 Before 2003 In PI cases in claimant work: Solicitors were paid by the hour The courts

More information

GUIDE TO NEW COSTS IN CIVIL CASE RULES GOVERNMENT REFORMS

GUIDE TO NEW COSTS IN CIVIL CASE RULES GOVERNMENT REFORMS GUIDE TO NEW COSTS IN CIVIL CASE RULES GOVERNMENT REFORMS MAKE SURE YOU GET INSURANCE Introduction Landlords faced with claims from tenants have also in the past had to often pay success fees where tenants

More information